Bartolome Velez

Bartolome Velez has been Executive Vice President and Director of Retail Banking of Santander Bancorp since July 2003.
He previously served for over fifteen years in Citibank in various positions, which included Global Liaison for Consumer and Commercial Credit of Citigroup, Inc. in Baltimore, Maryland.
From 1999 to 2002 he worked at Citibank, N.A.
in Panama City, Panama as Senior Country Business Credit Manager and Citibank, N.A.
in Monterey, Mexico as Credit Policy Director in the Global Consumer Bank Division from 1998 to 1999.
He was credit director of Congress Credit in San Juan, Puerto Rico.
Mr. Velez holds a B.A.
in Accounting from the University of Puerto Rico and completed the Continued Education Program at Wharton Business School.